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Why do you need to know your credit scores as a small business owner?

Small business owners need to know their credit scores because your growth opportunities depend on them. Would you like your small business to upgrade its machinery? Access working capital to fulfill a large order? Work with a new supplier on good terms? Your credit score is critical for all of these purposes. Knowing your credit score now, can help you understand what improvements you need to make in order for your small business to reach its full potential.

Why do small business owners care about personal credit scores and business credit scores? Isn’t the business credit score enough?

Banks and other credit institutions often evaluate small business owners’ personal credit as well as their business credit. If the business has a limited operating history, the personal credit history is often considered in addition to business credit history. Small business owners may even be asked to give personal guarantees on business liabilities, in which case the personal credit score is heavily relied upon in making the lending decision.

What size and in which industry are the businesses that benefit from Scorico?

Scorico is designed with small businesses in mind - those that have less than $5 million in revenue and less than 25 employees - specifically in the transportation and logistics sector.

How does Scorico access my credit scores?

We get your credit scores directly from major credit agencies. These agencies include Experian, Creditsafe, and Dan & Bradstreet. Scorico is not a credit bureau or a credit reporting agency. We do not directly give or receive credit information from your creditors.

Why should I connect my business apps to Scorico?

You can supercharge credit improvement by connecting your favorite business apps. Scorico offers 150+ app integrations, like CRM, social media, accounting, payroll, and marketing. Credit bureaus get a robust understanding of your credit profile with this data; your credit score could go up!
This NEVER makes your credit score go down. Furthermore, connecting your favorite apps gives you access to a deeper analysis of your small business. For instance, you can understand your small business’s overall financial health and plan for the future, through cash flow forecasts.

Is my data safe with Scorico? 

Yes, Scorico’s top priority is the safety of your data. We use 128-bit encryption to protect your data and data transmission. 

How much does it cost to use Scorico?

Using Scorico is absolutely free and we never sell your data.

What if my small business doesn’t have a credit history yet?

If your small business does not have a credit history yet, then it is already ahead of businesses that have poor credit histories! You can use Scorico to build a strong credit history, from day 1. 

Can I get a free credit report?

Yes! With Scorico, you can access your personal and business credit scores and reports from one credit bureau for free. We want you to have the tools that your small business needs to be financially successful, and reading your credit report is important. This will ensure that you are aware of any issues that need to be worked on, and discrepancies that need to be resolved, for a stronger financial foundation for your small business.

Can using Scorico damage my credit scores?

Accessing credit scores through Scorico CANNOT HURT YOUR SCORES. Scorico accesses them through soft pulls, which means that they do not damage your credit. Hard pulls, which lenders may do when finalizing a loan or other credit product, are the type of access that affects your credit scores. Scorico does not do hard pulls.

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